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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,079 | $99,921-53.9% | $85,009-45.8% | $145,959-68.4% |
| Participation rate | 94.4% | 74.1%+20.4pp | 67.5%+26.9pp | 80.3%+14.2pp |
| Annual return | 0.58% | 83.89%-83.3pp | 66.47%-65.9pp | 561.95%-561.4pp |
| Employer contribution / active EE | $3,547 | $3,233+9.7% | $2,728+30.0% | $4,661-23.9% |
| Participant deferral / active EE | $5,964 | $5,293+12.7% | $4,522+31.9% | $6,689-10.8% |
| Admin fee / account holder | $768 | $7,252-89.4% | $6,153-87.5% | $13,398-94.3% |